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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,416 | $58,600-66.9% | $83,327-76.7% | $64,173-69.7% |
| Participation rate | 100.0% | 72.0%+28.0pp | 77.8%+22.2pp | 69.6%+30.4pp |
| Annual return | -0.61% | 9.66%-10.3pp | 10.64%-11.3pp | 7.63%-8.2pp |
| Employer contribution / active EE | $5,440 | $2,098+159.3% | $3,379+61.0% | $2,381+128.5% |
| Participant deferral / active EE | $5,161 | $4,656+10.9% | $5,565-7.3% | $3,470+48.7% |
| Admin fee / account holder | $1,132 | $9,282-87.8% | $7,540-85.0% | $4,887-76.8% |